| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $196K | $196K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $45K | $45K | 1.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WASTON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 0.92% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 0.85% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NC 10087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.55% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $127 | $127 | 1.04% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 6,163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 311 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,526 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 7,515 | $15.8M |
| Vision | VISION SERVICE PLAN | 4,835 | $607K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,989 | $2.9M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,078 | $474K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,946 | $807K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,078 | $3.3M |
| Other(6 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,989 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,989 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
No prospect flags tripped on this filing.